1. Pay Yourself Weekly
    This may seem a bit odd, but this is an excellent way to start building a
    substantial savings. On a weekly basis, pay yourself $25-$50 and
    immediately put it in a safe place. You can even open a special savings
    account where this weekly "payday" can by placed to help minimize or
    eliminate impulsive spending. Think about it this way, if you paid yourself
    $25 a week, in two years you'll have accumulated $2600 (not including
    interest)!!! That's almost $3000 from just putting $25 aside every week!
    Take advantage of this money-saving opportunity. Simple, yet very
    effective.
 

    2. Don't Shop
    For those of you that love to shop, you may find that this is one tip that
    could save you hundreds, maybe even thousands every year. Start using
    the "Need or Want" strategy. Before you spend a single dollar on
    anything, ask yourself, "Do I really NEED this item, or do I just WANT
    it??" You may find that many of the items we purchase, we do so just
    because it "caught our eye" or it was "an impulse buy" or "my friend
    bought the same thing". All these excuses just add up to wasteful
    spending. You can probably get by without another sweater, or a new
    pair of jeans, so just buy what you absolutely need, and pass on those
    items that aren't necessities.
 

    3. Use Your Bank's Own ATMs
    Some banks will charge you money for using other ATM machines. Even
    though you will be able to withdraw money using your ATM/debit card
    from literally any machine, banks will charge you $2 (generally) for using
    a machine other than theirs, in addition to a standard $1.50 charge the
    machine charges for its use. In other words, if you use the ATM at your
    local 7-11 to take out $20, you'll most likely end up paying $3.50 in
    additional charges! If you do that 5 times a month, you'll lose $17.50 for
    that month, or $210 per year! What a waste! Try and stick with your own
    bank's ATMs whenever possible.
 

    4. Track Your Spending
    Take the time to track your spending habits for one week. Take note of
    every single dollar you spend, even those sodas and candy bars
    purchased here and there. This will give you a "birds-eye" view of exactly
    where your money is being spent, thus allowing you to refine your
    spending habits to essentially save more money.
 

    5. Lower Credit Card Balances
    Another very important tip that many often overlook. Pay off those pesky
    credit cards as soon as possible because you are losing up to 19% of
    the total. What a waste of your hard earned money! Keep chopping away
    at the balances until you get to an amount that is reasonable $100-$500
    dollars. 
 

    6. Use Your Debit Card Instead of Credit Cards
    Get in the habit of using your debit card instead of your credit cards. For
    the most part, debit cards are accepted anywhere a credit card is
    accepted, however as you know, with a debit card the amount is taken
    directly from your checking account whereas credit card usage is billed
    at a later date (along with a hefty interest rate). 
 

    7. Changing Jobs? Roll-Over that 401(k)
    When people change jobs/careers they will be faced with a decision to
    either "rollover" their 401k (retirement plan) or to withdraw it. It will be
    ever so tempting to withdraw the money since it will be a substantial
    amount, but don't! You will be charged fines and penalties for an early
    withdrawal that will cut YOUR total by 40%-60%! That's like giving half of
    your earned retirement savings away to a stranger. Why would you do
    that? Even though you may want the money now, resist the temptation
    and roll it over. It will be well worth it in the long run.
 

    8. Avoid Getting Too Many Credit Cards
    Why have eight credit cards? That's just going to provide you with more
    opportunities to go further into debt. It's fine to keep 1-3 cards to build
    credit, establish yourself, and for emergencies, but credit cards are
    double-edged swords. They can help or hurt you depending on your
    self-control.
 

    9. Check Your Credit Score/Report
    It's important to know where you currently stand as a consumer and since
    your credit report is the most important historical list of your financial past
    and present, it's a very good idea to check it from time to time. There are
    a number of places where you can get your credit report, however the
    most detailed compares information from the top three national credit
    bureaus: Experian, Equifax, and TransUnion. Once you get your report,
    look through it carefully to see if all the information is accurate. If there
    are any discrepancies, get those solved as quickly as possible to
    improve your credit rating - a score of up to 800. Often times, consumers
    are unaware of unsettled accounts, or accounts that are still open/active
    when they should be closed. Pay close attention to this when inspecting
    your report.
 

    **Get credit report tips, hints, and instant access by clicking here:
       http://www.SavingSecrets.com/creditreport.html
 

    10. Finally: Review - Revise - Retry
    Once you start implementing these tips and become more familiar with
    the money saving opportunities you have, take the time to REVIEW your
    progress. Check and see where it may be possible to REVISE some of
    your techniques or where you can implement new ones. Once you have
    revised your plan, RETRY to see if your results improve. The more
    frequent you review, revise, and retry your saving ideas, the more "in
    tune" you'll be with your finances and spending habits, and learn what
    works and what doesn't for you.